We are the only personal open credits company in Quebec that offers the Instant Bank Verification (IBV) technology. This means you can get your credits in a couple of minutes without sending any documents.
Through your client account you will be able to send us your bank statements for the last 90 days within a few seconds.
No need to go through the hassle of printing or scanning documents! With the Instant Bank Verification system (IBV), we will evaluate your application within minutes.
Please note that this process does not include a credit check. The IBV technology is used between large financial institutions for transmitting confidential information in a secure fashion. This is the safest method available! If you have any further questions regarding our Instant Banking Verification system, please visit our paperless solutions page.
There are 5 eligibility criteria that we consider in our approval process, but don’t worry, we accept the vast majority of requests. Now you are approved! There is one last step to complete.
Following the approval of your request, our agents will send a contract to your client account. Signing the contract is as simple as clicking the button on the bottom of the form, eliminating the need to print the contract, sign it, and fax it. Once the contract is signed, our agents will deposit the agreed upon amount directly into your bank account.
Thanks to our paperless system, you receive a service that is quick, easy, and secure. Get your credits today!*
* The scenario shown in the simulator hereabove also includes a brokerage fee charged by the broker with whom the borrower deals for the purpose of being granted an open loan by a third party lender. This brokerage fee is independently set by the broker for each file for which an open credit is obtained for the benefit of the borrower and is distinct from the credit fees and interests charged by the lender granting the open credits. The definitive terms and conditions relating to the brokerage fee, the amount of the open credits, the credit fees and interests, the frequency and amount of the installments to be paid may vary. The scenario presented in the simulator hereabove only serves as an example and does not constitute the definitive terms and conditions upon which an open credit may be obtained and/or granted.
What are the Annual Interest Rates?
We work with dependable financial institutions to offer a rate of 18.99% annual interest.
If you wish to use one of our credit facilities, you can use the following payment model as a guide : a withdrawal of 750 $ on your facility with bi-weekly payments of 121.01$ will take 10 installments.
This example is given as an example only and considers that the initial withdrawal has been entirely refunded to the credit facility before using another credit amount. In the example above, the weekly 22.75$ membership fee is included in the repayment amount.
We determine your minimum payments together, after having looked at your financial capacity to repay and the time durong which you want to make installments*. Membership fees are applicable as long as there are used funds on the credit facility.
Our credit facilities are subject to flexible payments, as per the client convention and can generally be reembursed within a 3 to 6 month period. Nonetheless, you can pay the whole or a part of the amount due at any time.
Credit score and financial support
Our business model complies to Canadian legal norms. If a particular situation arises during your use of the credit facility, our service department is there to help you out with payment deferrals, making modifications or other needs you might have.
The transactions made on your credit facility do not affect your credit score in a positive or negative way, because we don’t communicate with the credit bureaus.
* The payment amount cannot be lower than 5% of the amount used on your credit facility.
Report fees = 0$
NSF = 25$